Debt-to-Income (DTI) Calculator
Debt-to-income ratio (DTI) compares your total monthly debt payments to your gross monthly income. Lenders commonly use it, alongside credit score, to assess how much additional debt you can responsibly take on.
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What counts as monthly debt?
Typically rent or mortgage, car payments, student loans, credit card minimums, and other recurring debt — not everyday expenses like groceries or utilities.
What DTI do lenders look for?
Requirements vary by lender and loan type, but a DTI at or below roughly 36% is commonly viewed as favorable, while many mortgage programs cap eligibility somewhere around 43-50%.
How can I lower my DTI?
Paying down existing debt or increasing income are the two direct levers — even small reductions in recurring debt payments can meaningfully improve your ratio.